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	<title>Your Smart Money Moves &#187; Featured Articles</title>
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		<title>5 Tax Mistakes Business Owners Make</title>
		<link>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/02/01/5-tax-mistakes-business-owners-make/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 18:14:47 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[2012 Tax advice and help]]></category>
		<category><![CDATA[401(k)’s (with profit sharing)]]></category>
		<category><![CDATA[5 Tax Mistakes Business Owners Make]]></category>
		<category><![CDATA[Accelerated Cost Recovery System]]></category>
		<category><![CDATA[Business Owners]]></category>
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		<category><![CDATA[Expert Tax Solutions for Business]]></category>
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		<category><![CDATA[how to build a tax management strategy that is right for you in 2012]]></category>
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		<category><![CDATA[many ways to calculate deductions for business use of a car]]></category>
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		<category><![CDATA[Missing Out On All Reimbursable Expenses]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3179</guid>
		<description><![CDATA[Part of putting together an effective tax management strategy is gaining an understanding of what you can and cannot deduct from your tax return.   I see business owners that make mistakes every single day.  Every ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Taxes Will Go Up If Earn Less Than $250,000</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 22:29:54 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[there will be no tax increases]]></category>
		<category><![CDATA[there will be no tax increases is INCOME TAX]]></category>
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		<category><![CDATA[Your Taxes Will Go Up If Earn Less Than $250]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3169</guid>
		<description><![CDATA[I watched the second half of the State of the Union last week.   Needless to say that after listening to the program and then all of the commentary after, it confirmed in my head how ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/01/30/your-taxes-will-go-up-if-earn-less-than-250000/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>How Business Credit Cards Affect Your Personal Credit</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/25/how-business-credit-cards-affect-your-personal-credit/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/25/how-business-credit-cards-affect-your-personal-credit/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 15:25:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[How Business Credit Cards Affect Your Personal Credit]]></category>
		<category><![CDATA[How To Build Credit]]></category>
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		<category><![CDATA[Is it possible to get a business card without a personal guarantee?]]></category>
		<category><![CDATA[learn how to build credit history from scratch]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3084</guid>
		<description><![CDATA[Forming a new LLC, S-Corp, or C-Corp can be intimidating. Not only will you have to navigate the fees, taxes, and filing requirements, but also learn how to build credit history from scratch for this ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Words We Don’t Want To Hear: “You May Need To Save More”</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/23/the-words-we-dont-want-to-hear-you-may-need-to-save-more/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/23/the-words-we-dont-want-to-hear-you-may-need-to-save-more/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 15:53:57 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[How to Get a better rate of return]]></category>
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		<category><![CDATA[making sacrifices today to put away dollars for your future goals]]></category>
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		<category><![CDATA[Retirement planning for Gen X and Y]]></category>
		<category><![CDATA[retirement planning is going to change]]></category>
		<category><![CDATA[set a goal of wanting $8000 per month of retirement income]]></category>
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		<category><![CDATA[The best retirement plan]]></category>
		<category><![CDATA[Time Frame]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3077</guid>
		<description><![CDATA[I really think over the next five years the whole notion of retirement planning is going to change.   The X and Y generation don’t think about retirement the way their parents or grandparents did.   Since ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Suze Orman’s New Prepaid Debit Card &#8211; Is it really a good thing for consumers?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 16:28:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Tens Of Thousands]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3051</guid>
		<description><![CDATA[It’s official.   Suze Orman is now in the game of selling financial products to consumers.    This past week she launched her new card called “The Approved Card” which is supposed to be a low cost ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2012/01/17/suze-ormans-new-prepaid-debit-card-is-it-really-a-good-thing-for-consumers/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<title>Your Kid Has An I-Phone. . Who Pays The Data Plan?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/13/your-kid-has-an-i-phone-who-pays-the-data-plan/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/13/your-kid-has-an-i-phone-who-pays-the-data-plan/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 17:03:26 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3046</guid>
		<description><![CDATA[I’m pretty sure Apple can’t be hurting even though Steve Jobs is not at the helm anymore.   My kid’s went back to school last week and mentioned to meet the glut of Apple products that ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How Much Should I Leave For A Tip?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/11/how-much-should-i-leave-for-a-tip/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/11/how-much-should-i-leave-for-a-tip/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 16:40:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[definition of tip as a small present of money given directly to someone for performing a service or task.]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3040</guid>
		<description><![CDATA[Even though I have workaholic issues, I did manage to do a few fun things with my family over the holidays.   We caught some movies, saw an Atlanta Hawks basketball game, went to the Peach ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Should You Sell Your Business Now?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/09/should-you-sell-your-business-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/09/should-you-sell-your-business-now/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 15:32:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3033</guid>
		<description><![CDATA[If you have owned a business for a long period of time and were considering selling, 2012 may be year for you find a buyer to take over your shop.   The Presidential election and many ...]]></description>
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		<title>Should I Refinance My Mortgage?</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/04/should-i-refinance-my-mortgage/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 15:34:59 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3022</guid>
		<description><![CDATA[These past couple of years many clients have asked about whether or not they should refinance their mortgage.    Along with people who have never refinanced, those that did even 18 months ago may be licking ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>THE HARD TRUTH ABOUT INCOME TAXES</title>
		<link>http://www.yoursmartmoneymoves.com/2012/01/01/the-hard-truth-about-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2012/01/01/the-hard-truth-about-income-taxes/#comments</comments>
		<pubDate>Sun, 01 Jan 2012 17:11:28 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[How to pay less taxes in 2012]]></category>
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		<category><![CDATA[THE HARD TRUTH ABOUT INCOME TAXES]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3057</guid>
		<description><![CDATA[People think the whole income tax debate is political.  With the debt we’ve racked up as a country, it’s now become a financial issue.   Watch the hard truth on why you better start paying attention ...]]></description>
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		<title>What will you do with 2% more in your paycheck?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/28/what-will-you-do-with-2-more-in-your-paycheck/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/28/what-will-you-do-with-2-more-in-your-paycheck/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 17:03:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=3000</guid>
		<description><![CDATA[If Santa Clause didn’t come down your chimney with anything good this year, Congress has decided to give you a stocking stuffer for the New Year.   With nearly 160 million workers that will benefit from ...]]></description>
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		<title>Top 5 Things To Do With Your Gift Cards</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/26/top-5-things-to-do-with-your-gift-cards/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/26/top-5-things-to-do-with-your-gift-cards/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 14:45:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2992</guid>
		<description><![CDATA[Another holiday season has passed and isn’t it ironic that many us walked away with a little loot and lot of gift cards. I guess if you don’t know what to get anymore, you’d rather ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Be a Tax Pro! 5 ways to cut your 2011 personal income taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/19/be-a-tax-pro-5-ways-to-cut-your-2011-personal-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/19/be-a-tax-pro-5-ways-to-cut-your-2011-personal-income-taxes/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 18:26:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2976</guid>
		<description><![CDATA[Here are 5 ways to cut your 2011 personal income taxes like a tax pro:
1. Review your 2011 securities sales for gains and losses – Review your capital gains and losses for the year. If ...]]></description>
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		<title>Charitable deductions &#8211; Are these meant for donations inside our country or outside of our country?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/16/charitable-deductions-are-these-meant-for-donations-inside-our-country-or-outside-of-our-country/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 14:52:13 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2970</guid>
		<description><![CDATA[I happened to be watching 60 minutes the other evening with another interview with President Obama.   After the interview, they did a short piece on Howard Buffett who is slated to take over as Chairman ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Top 10 Movies About Making Money</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/15/top-10-movies-about-making-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/15/top-10-movies-about-making-money/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 14:46:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2959</guid>
		<description><![CDATA[It&#8217;s holiday time, so you might get a chance to relax and get caught up by watching a movie or two over the holidays.    Here is my list of the top 10 movies about money ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Black Friday, Cyber Monday, and Hangover January</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/09/black-friday-cyber-monday-and-hangover-january/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/09/black-friday-cyber-monday-and-hangover-january/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 14:34:41 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Cyber Monday]]></category>
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		<category><![CDATA[effects of people spending money that they didn’t have]]></category>
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		<category><![CDATA[financial sunburn]]></category>
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		<category><![CDATA[piling up debt like the Government does]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2953</guid>
		<description><![CDATA[It’s official.    Everyone in America has decided we should be just like the Federal Government.    Get up and keeping adding more zeros to your debt because it just doesn’t matter.   Remember that movie many years ...]]></description>
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		</item>
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		<title>Student Loans: Use Your Cash Or Take The Loan?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/07/student-loans-use-your-cash-or-take-the-loan/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/07/student-loans-use-your-cash-or-take-the-loan/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 16:26:35 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[all of the costs of home ownership and your overall budget]]></category>
		<category><![CDATA[and 40’s]]></category>
		<category><![CDATA[bigger and better investment for your money]]></category>
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		<category><![CDATA[the leading finanical experts for people in their 20’s]]></category>
		<category><![CDATA[use your cash to pay for graduate school using the cash]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2948</guid>
		<description><![CDATA[At Your Smart Money Moves, we get questions that we get from clients, through the website, or others that I see on the internet.   Here is a great one I recently came across around student ...]]></description>
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		<item>
		<title>3 Simple Ways To Live The Frugal Life</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/05/3-simple-ways-to-live-the-frugal-life/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/05/3-simple-ways-to-live-the-frugal-life/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 16:18:23 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
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		<category><![CDATA[3 Simple Ways To Live The Frugal Life - Generation X & Y Finance]]></category>
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		<category><![CDATA[and many American citizens hitting hard times]]></category>
		<category><![CDATA[Being frugal is about making smart money move decisions]]></category>
		<category><![CDATA[Bells And Whistles]]></category>
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		<category><![CDATA[Countless Numbers]]></category>
		<category><![CDATA[countless numbers of foreclosures]]></category>
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		<category><![CDATA[how to have fun and live frugally at the same time]]></category>
		<category><![CDATA[how you spend your money and make it difficult to live a more frugal life]]></category>
		<category><![CDATA[is Trader Joe's frugal]]></category>
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		<category><![CDATA[learn how to become more frugal with your money]]></category>
		<category><![CDATA[living a more frugal life without feeling like you are being cheap]]></category>
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		<category><![CDATA[one smart money step to become more frugal]]></category>
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		<category><![CDATA[this could help you transition into living a more frugal life]]></category>
		<category><![CDATA[Three Ways]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2943</guid>
		<description><![CDATA[These past few years we have seen a high level of unemployment, countless numbers of foreclosures, and many American citizens hitting hard times.  While many people are learning how to make ends meet, there can ...]]></description>
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		<title>When Your 401(k) Makes A Change On You</title>
		<link>http://www.yoursmartmoneymoves.com/2011/12/02/when-your-401k-makes-a-change-on-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/12/02/when-your-401k-makes-a-change-on-you/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 14:06:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[401 K Plan]]></category>
		<category><![CDATA[a free review of your 401(k) plan]]></category>
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		<category><![CDATA[analyze your mutual fund selections]]></category>
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		<category><![CDATA[Be aware of a fund manager change in your 401K]]></category>
		<category><![CDATA[Be aware of the blackout period in 401K]]></category>
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		<category><![CDATA[Choices]]></category>
		<category><![CDATA[Current]]></category>
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		<category><![CDATA[Investment Mix]]></category>
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		<category><![CDATA[Personal Finance 101]]></category>
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		<category><![CDATA[will my existing 401(k) will automatically be redistributed into like kind funds]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2938</guid>
		<description><![CDATA[In the past year, many of our clients have seen changes made to their 401(k) plan.   These changes may happen from two separate businesses merging, your employer trying to save costs, or simply a change ...]]></description>
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		<item>
		<title>5 Tips To A Successful Garage Sale</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/30/5-tips-to-a-successful-garage-sale/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/30/5-tips-to-a-successful-garage-sale/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 16:48:51 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[how to make more sales at a garage sale]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2934</guid>
		<description><![CDATA[If you need some extra cash, one thing to consider during the holiday season (don’t wait til’ it warms up) is to have a year end garage sale.   Garage sales can be really profitable or ...]]></description>
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		<item>
		<title>Your Limited Liability Company (LLC) – should you choose to be taxed as an S-Corporation?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/22/your-limited-liability-company-llc-%e2%80%93-should-you-choose-to-be-taxed-as-an-s-corporation/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/22/your-limited-liability-company-llc-%e2%80%93-should-you-choose-to-be-taxed-as-an-s-corporation/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 13:17:33 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Dan Lucas - Executive Vice President oXYGen Financial Tax and Business Services]]></category>
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		<category><![CDATA[use a corporation rather than a limited liability company?]]></category>
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		<category><![CDATA[Your Limited Liability Company (LLC) – should you choose to be taxed as an S-Corporation?]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2924</guid>
		<description><![CDATA[One of the more recent trends in the practice of CPAs structuring entities is the idea of forming a limited liability company (LLC) under state law and then making an election under Federal tax rules ...]]></description>
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		<title>5 year-end tax strategies for your small business</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/21/5-year-end-tax-strategies-for-your-small-business/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/21/5-year-end-tax-strategies-for-your-small-business/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 16:29:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[5 year-end tax strategies for your small business]]></category>
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		<category><![CDATA[large difference between repairs expenses (deductible now) and capital improvement costs]]></category>
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		<category><![CDATA[special tax breaks if you’re starting a new business]]></category>
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		<category><![CDATA[take advantage of this tax break before 2011 is over]]></category>
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		<category><![CDATA[Time Of Year]]></category>
		<category><![CDATA[very generous write-off for business owners in 2011]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2908</guid>
		<description><![CDATA[It’s that time of year to start thinking about your 2011 taxes and what moves you might be able to make to save in taxes!
Here are 5 ways to cut your 2011 business taxes:
1. Equipment ...]]></description>
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		<title>5 Ways To Save Money On Thanksgiving Dinner</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/18/5-ways-to-save-money-on-thanksgiving-dinner/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/18/5-ways-to-save-money-on-thanksgiving-dinner/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 14:07:43 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2904</guid>
		<description><![CDATA[According to a report from the American Farm Bureau Federation, you’ll spend 13% more on Thanksgiving groceries than you did in 2010. The report also mentions how the average cost for a Thanksgiving dinner to ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; What Kind Of Term Insurance To Buy?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/14/personal-finance-101-generation-x-series-what-kind-of-term-insurance-to-buy/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/14/personal-finance-101-generation-x-series-what-kind-of-term-insurance-to-buy/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 19:18:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2888</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Don’t Get Tricked On Black Friday</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/11/do-not-get-tricked-on-black-friday/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/11/do-not-get-tricked-on-black-friday/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 15:30:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2879</guid>
		<description><![CDATA[After the turkey, the football, and the one awkward conversation with your cousin that happened to get stuck at the card table with you at the end of the big Thanksgiving table comes the second ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; Three Simple Steps To Managing Your 401K</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/08/personal-finance-101-generation-x-series-three-simple-steps-to-managing-your-401k/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/08/personal-finance-101-generation-x-series-three-simple-steps-to-managing-your-401k/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 13:50:31 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979. Pretty much those of you in your early 30’s to the mid 40’s. However, having given personal financial advice to thousands ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; A kid&#8217;s birthday party for $500 (or more)?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/11/02/personal-finance-101-generation-x-series-a-kids-birthday-party-for-500-or-more/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 19:33:56 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2804</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Pay As You Drive Car Insurance: A Good Idea?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/27/pay-as-you-drive-car-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/27/pay-as-you-drive-car-insurance/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 14:43:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2777</guid>
		<description><![CDATA[Every six months you get a bill in the mail from your auto insurance company.   After your eyes glaze over 12 stapled pages of different line items of coverage and boiler plate language, you get ...]]></description>
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		<title>It’s Un-American</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/25/its-un-american/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/25/its-un-american/#comments</comments>
		<pubDate>Tue, 25 Oct 2011 13:42:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2770</guid>
		<description><![CDATA[Since I write mostly on financial advice, investment, tax, and insurance products, from time to time I like to just have a chance to rant.   Really, just to share some observations about life or what ...]]></description>
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		<title>How To Lower Your 2011 Income Taxes</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/19/how-to-lower-your-2011-income-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/19/how-to-lower-your-2011-income-taxes/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 16:38:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Trees]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2760</guid>
		<description><![CDATA[The color of the trees  are changing during the beautiful fall season, and that also means it’s time to begin thinking about strategies for minimizing your 2011 income taxes before the year has come to ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; A Vacation Or College Education</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/17/personal-finance-101-generation-x-series-a-vacation-or-college-education/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/17/personal-finance-101-generation-x-series-a-vacation-or-college-education/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 16:24:42 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[the cost of a private school education]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2752</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Use Your 401(K) For Mortgage Payments?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/14/use-your-401k-for-mortgage-payments/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/14/use-your-401k-for-mortgage-payments/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 15:15:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Senator Johnny Isakson and Representative Tom Graves introduced the HOME Act]]></category>
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		<category><![CDATA[Use Your 401(K) For Mortgage Payments?]]></category>
		<category><![CDATA[withdraw retirement funds from the 401(k) to make mortgage payments tax free]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2743</guid>
		<description><![CDATA[If it wasn’t already clear that most politicians don’t have the foggiest idea about how to set up decisions that are financially responsible, the state of Georgia recently had an act proposed that shows how ...]]></description>
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		<title>5 Reasons You Aren’t Rich . . . Yet</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/11/5-reasons-you-aren%e2%80%99t-rich-yet/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/11/5-reasons-you-aren%e2%80%99t-rich-yet/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 14:11:20 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[five things that may be in getting in your way from achieving financial independence]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2731</guid>
		<description><![CDATA[Everybody at some point of their life has that dream of having enough money to do whatever they want whenever they want irrespective of cost.   Well, even if you do think about cost, that idea ...]]></description>
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		<title>Personal Finance 101- Generation X Series- You Won’t Make Hay Forever</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/10/personal-finance-101-generation-x-series-you-won%e2%80%99t-make-hay-forever/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/10/personal-finance-101-generation-x-series-you-won%e2%80%99t-make-hay-forever/#comments</comments>
		<pubDate>Mon, 10 Oct 2011 13:11:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[the leading financial experts for Generation X in the country]]></category>
		<category><![CDATA[The worst financial thing in the world you can do]]></category>
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		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2723</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>Thank You Steve Jobs&#8230;</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/06/thank-you-steve-jobs/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/06/thank-you-steve-jobs/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 12:55:14 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Thanks Steve Jobs for being an inspiration]]></category>
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		<category><![CDATA[the innovative cutting edge approach Steve Jobs took]]></category>
		<category><![CDATA[you should spend every minute chasing your dreams]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2711</guid>
		<description><![CDATA[Like many in the entrepreneurial community, I have always admired the innovative cutting edge approach Steve Jobs took with building the Apple brand.   It is never easy taking the path less traveled as the journey ...]]></description>
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		<title>Personal Finance 101: Generation X Series &#8211; 5 Big Mistakes Gen X’ers Make With Their Money</title>
		<link>http://www.yoursmartmoneymoves.com/2011/10/04/personal-finance-101-generation-x-series-5-big-mistakes-gen-x%e2%80%99ers-make-with-their-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/10/04/personal-finance-101-generation-x-series-5-big-mistakes-gen-x%e2%80%99ers-make-with-their-money/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 15:37:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[should I refinance to lower their overall payment]]></category>
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		<category><![CDATA[upside down mortgage against the value of the real estate]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2704</guid>
		<description><![CDATA[Generation X is classically defined at people born between the years 1965 and 1979.    Pretty much those of you in your early 30’s to the mid 40’s.  However, having given personal financial advice to thousands ...]]></description>
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		<title>What financial moves to make if you are recently widowed?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/30/what-financial-moves-to-make-if-you-are-recently-widowed/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/30/what-financial-moves-to-make-if-you-are-recently-widowed/#comments</comments>
		<pubDate>Fri, 30 Sep 2011 16:24:45 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2700</guid>
		<description><![CDATA[When my father passed away many years ago, I remember how traumatic life can be for the person left picking up the pieces.   My mom was a schoolteacher, and she didn’t spend very much time ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Is It Time To Trigger Your Stock Options?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/28/is-it-time-to-trigger-your-stock-options/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/28/is-it-time-to-trigger-your-stock-options/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 13:38:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2683</guid>
		<description><![CDATA[I worked for a Fortune 100 company for over 15 years.   When you rise through the ranks of management at a large company, they generally stop talking to you about salary and instead use the ...]]></description>
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		</item>
		<item>
		<title>Four Signs Your Job Might Be In Danger!</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/21/four-signs-your-job-might-be-in-danger/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/21/four-signs-your-job-might-be-in-danger/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 13:40:08 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2668</guid>
		<description><![CDATA[With the high unemployment we have today in the United States, it is more important than ever to prepare financially should you be laid off from your job.  You should make sure you have a fresh ...]]></description>
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		<title>5 Ways To Make More Money Now</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/16/5-ways-to-make-more-money-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/16/5-ways-to-make-more-money-now/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 13:41:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2657</guid>
		<description><![CDATA[If you can’t decrease your overall expenses, then maybe it’s time to figure out how to start making more money.   You could change careers.   You could pick up a second job.  Or, you could really ...]]></description>
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		<title>Does my credit score really matter?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/14/does-my-credit-score-really-matter/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/14/does-my-credit-score-really-matter/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 12:28:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2648</guid>
		<description><![CDATA[It seems more than ever that clients are asking me the question, “does my credit score really matter?”     Your credit score has always counted, but I truly believe it will become even more important in ...]]></description>
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		<title>Personal Finance 101 &#8211; Running Your Family Profit and Loss Statement</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/12/personal-finance-101-running-your-family-profit-and-loss-statement/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/12/personal-finance-101-running-your-family-profit-and-loss-statement/#comments</comments>
		<pubDate>Mon, 12 Sep 2011 14:59:38 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2636</guid>
		<description><![CDATA[For three years now, we have been teaching individuals and families to begin thinking about their family finances like they were running a business. We know that in every business the two major dashboards are ...]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Resell Your Coupons?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/09/how-to-resell-your-coupons/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/09/how-to-resell-your-coupons/#comments</comments>
		<pubDate>Fri, 09 Sep 2011 13:31:47 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2631</guid>
		<description><![CDATA[Are you one of those people who bought a big entertainment book that sat in your glove compartment until the end of the year when you realized you used only three coupons?  Or worse yet, ...]]></description>
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		<title>It’s Time For A Real Leader To Step Up</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/07/it-is-time-for-a-real-leader-to-step-up/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/07/it-is-time-for-a-real-leader-to-step-up/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 14:12:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[A leader would not be afraid to truly deliver a tough message no matter what the consequences]]></category>
		<category><![CDATA[A leader would put the media in their place]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2621</guid>
		<description><![CDATA[We have begun to see the litany of new candidates who are throwing their hat in the ring to be President of The United States of America in the election next year.   Each of them ...]]></description>
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		<item>
		<title>Are Diamonds as an investment an alternative to the stock market and gold?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/09/01/are-diamonds-as-an-investment-an-alternative-to-the-stock-market-and-gold/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/09/01/are-diamonds-as-an-investment-an-alternative-to-the-stock-market-and-gold/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 14:28:16 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2614</guid>
		<description><![CDATA[During a time when the only thing for certain seems to be economic uncertainty, have you considered investing in diamonds? For months now, you’ve watched your stocks and other investments see-saw while watching gold prices ...]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>5 Places To Put Your Money Now</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/29/5-places-to-put-your-money-now/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/29/5-places-to-put-your-money-now/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 14:05:30 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2609</guid>
		<description><![CDATA[The recent United States credit downgrade, unsteadiness in the stock market, and overall challenging economic times have had some people asking where might be a good place to put your money now.   As always, you ...]]></description>
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		<item>
		<title>The Lifestyles Of The Rich and Famous</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/26/the-lifestyles-of-the-rich-and-famous/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/26/the-lifestyles-of-the-rich-and-famous/#comments</comments>
		<pubDate>Fri, 26 Aug 2011 16:10:48 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2605</guid>
		<description><![CDATA[I hoped the title of this article would grab your attention because it is really about you and your neighbors.    This article is about you and your friends from college.    It is about you and ...]]></description>
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		<title>What will credit downgrade mean to you?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/24/what-will-credit-downgrade-mean-to-you/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/24/what-will-credit-downgrade-mean-to-you/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 13:56:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2598</guid>
		<description><![CDATA[I waited a week to pass to the let the media frenzy subside around the recent credit downgrade.    All we needed was Tiger Woods to miss the cut at the PGA Championship this past week ...]]></description>
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		<item>
		<title>Retirement Is A Washed Up Word</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/08/retirement-is-a-washed-up-word/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/08/retirement-is-a-washed-up-word/#comments</comments>
		<pubDate>Mon, 08 Aug 2011 17:21:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2568</guid>
		<description><![CDATA[I’m going to perform a small magic trick here at Your Smart Money Moves.   I am going to help you reduce a huge amount of stress with the wave of my magic wand.    I want ...]]></description>
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		<title>I am officially couponed out!</title>
		<link>http://www.yoursmartmoneymoves.com/2011/08/03/i-am-officially-couponed-out/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/08/03/i-am-officially-couponed-out/#comments</comments>
		<pubDate>Wed, 03 Aug 2011 21:21:15 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2555</guid>
		<description><![CDATA[I don’t think couponed out is a real phrase.   But if it was, that is exactly how I think most of us would be feeling these days from the onslaught of daily deals we get.    ...]]></description>
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		<item>
		<title>Does paying cash matter?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/28/does-paying-cash-matter/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/28/does-paying-cash-matter/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 14:50:29 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[cash is a very powerful emotional tool in our financial toolbox]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2534</guid>
		<description><![CDATA[I wrote a recent article about not becoming a slave to your possessions.   It made be begin to ponder the question about what kind of impact paying with cash only would make on your financial ...]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Are You A Slave To Your Possessions?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/25/are-you-a-slave-to-your-possessions/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/25/are-you-a-slave-to-your-possessions/#comments</comments>
		<pubDate>Mon, 25 Jul 2011 14:26:07 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[as hard as you work it doesn't seem like you are really making any financial progress]]></category>
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		<category><![CDATA[great deal of stress even after making the purchase]]></category>
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		<category><![CDATA[how much you want your next purchase versus how much you really need it]]></category>
		<category><![CDATA[if you had to buy your home in cash would you]]></category>
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		<category><![CDATA[you have no debt and lots of money in the bank]]></category>
		<category><![CDATA[your own rising debt and shifting bank balances]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2528</guid>
		<description><![CDATA[You get up out of bed on Monday morning and head out for a new week of work.    As you feverishly make your way through the to do list, get ready for the big sales ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Georgia Private School Tax Credit 2011</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/19/georgia-private-school-tax-credit-2011/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/19/georgia-private-school-tax-credit-2011/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 14:35:51 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2515</guid>
		<description><![CDATA[A HIDDEN GEORGIA TAX CREDIT YOU DON’T WANT TO MISS FOR 2011!
Tax write-off.  Tax credit.  Heard these terms before?  Most people have.  The problem is, tax professionals and non-tax professionals alike tend to throw them ...]]></description>
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		<item>
		<title>As Coffee Prices Go Up . . .</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/13/as-coffee-prices-go-up/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/13/as-coffee-prices-go-up/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 21:51:39 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[smart money moves to help you increase the bottom line]]></category>
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		<category><![CDATA[the price of a pound of coffee beans has more than doubled]]></category>
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		<category><![CDATA[we are all starting to see the jump in prices for our daily goods]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2503</guid>
		<description><![CDATA[In the past year, the price of a pound of coffee beans has more than doubled on the commodities market in New York, to $2.23 a pound as of Thursday, May 24th of this year. ...]]></description>
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		<title>Will These Disappear In The Next Decade?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/07/05/will-these-disappear-in-the-next-decade/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/07/05/will-these-disappear-in-the-next-decade/#comments</comments>
		<pubDate>Tue, 05 Jul 2011 15:39:50 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[less than ten years ago Facebook wasn't even a company]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2479</guid>
		<description><![CDATA[Technology has made many items slowly disappear and some have become extinct.   While I was vacationing in Europe, I walked past a table of ‘antique’ typewriters that I can remember using not that long ago ...]]></description>
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		<title>Is Multi Level Marketing A Good Business?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/23/is-multi-level-marketing-a-good-business/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/23/is-multi-level-marketing-a-good-business/#comments</comments>
		<pubDate>Thu, 23 Jun 2011 13:32:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2438</guid>
		<description><![CDATA[I can  still remember being in my freshman year at Boston College when someone called upon me to share in  the money making opportunity of a lifetime called the ‘money tree’.     It sounded ...]]></description>
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		<title>Can Reality TV Save You Money?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/15/can-reality-tv-save-you-money/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/15/can-reality-tv-save-you-money/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 15:42:11 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2413</guid>
		<description><![CDATA[I  don’t watch a ton of reality television, but I guess it is hard to ignore that  more than half the programming on network and cable channels alike are reality  based.   Programs ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/06/15/can-reality-tv-save-you-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Just Because You Can Doesn’t Mean You Should</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/09/just-because-you-can-doesn%e2%80%99t-mean-you-should/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/09/just-because-you-can-doesn%e2%80%99t-mean-you-should/#comments</comments>
		<pubDate>Thu, 09 Jun 2011 14:37:32 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2386</guid>
		<description><![CDATA[Have  you ever heard that saying that money can burn a hole in your pocket?   Although you can find many different  meanings for this expression, over the past decade I have seen spending ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>I Like My Wallet</title>
		<link>http://www.yoursmartmoneymoves.com/2011/06/02/i-like-my-wallet/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/06/02/i-like-my-wallet/#comments</comments>
		<pubDate>Thu, 02 Jun 2011 13:17:53 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2364</guid>
		<description><![CDATA[Google  announced Thursday of last week that they wanted their Google powered cell  phone to be your new wallet.  They  essentially announced that a new payment system will link your smartphone to ...]]></description>
		<wfw:commentRss>http://www.yoursmartmoneymoves.com/2011/06/02/i-like-my-wallet/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Technology Sabbath</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/25/the-technology-sabbath/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/25/the-technology-sabbath/#comments</comments>
		<pubDate>Wed, 25 May 2011 18:18:43 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2348</guid>
		<description><![CDATA[I’m  not really sure sometimes that all the technology we have has made everything  so much better.    When you walk through  the mall most people don’t make eye contact because they are ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What is really cheaper?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/12/what-is-really-cheaper/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/12/what-is-really-cheaper/#comments</comments>
		<pubDate>Thu, 12 May 2011 17:53:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2325</guid>
		<description><![CDATA[I was having a discussion the  other day with a client of mine when we got on to the topic of rising  costs.   As you have all seen, the cost  of gas, ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Start Your Investment Portfolio With ‘One Share’ Of Stock</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/06/start-your-investment-portfolio-with-%e2%80%98one-share%e2%80%99-of-stock/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/06/start-your-investment-portfolio-with-%e2%80%98one-share%e2%80%99-of-stock/#comments</comments>
		<pubDate>Fri, 06 May 2011 14:38:02 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2309</guid>
		<description><![CDATA[
(source - Articles by Ted Jenkin published on IGrad.com )
With  all of the financial jargon you see today about mutual funds, exchanged traded  funds, real estate investment trusts, and target funds, it’s no ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Which Watch Gets You More Compliments?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/05/04/which-watch-gets-you-more-compliments/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/05/04/which-watch-gets-you-more-compliments/#comments</comments>
		<pubDate>Wed, 04 May 2011 15:23:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2303</guid>
		<description><![CDATA[Have  you ever met someone who you would classify as a wine snob?   Someone who knows all the best wines and  will tell you why that $50 bottle of wine is superior to ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Can Anyone Make Change For A $100?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/27/can-anyone-make-change-for-a-100/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/27/can-anyone-make-change-for-a-100/#comments</comments>
		<pubDate>Wed, 27 Apr 2011 15:43:30 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2290</guid>
		<description><![CDATA[What  is going on with the math skills in America?  With more and more young people using ATM cards, debit cards, and credit  cards to make their purchases, I am beginning to ...]]></description>
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		</item>
		<item>
		<title>A Credit Card That Helps You Reach Your Financial Goals?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/22/a-credit-card-that-helps-you-reach-your-financial-goals/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/22/a-credit-card-that-helps-you-reach-your-financial-goals/#comments</comments>
		<pubDate>Fri, 22 Apr 2011 15:09:34 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2276</guid>
		<description><![CDATA[Oink!  Oink! Oink! Who says that pigs aren’t  smart?  For almost 20 years I have been  helping individuals and businesses work on reaching their financial goals. The credit card in many cases ...]]></description>
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		<title>Is FREE checking really FREE?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/20/is-free-checking-really-free/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/20/is-free-checking-really-free/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 14:41:08 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[most consumers won’t read the fine print]]></category>
		<category><![CDATA[on line bill paying and ability to check balances]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2264</guid>
		<description><![CDATA[In  today’s big banking world you see all sorts of advertisements to sign up for a  checking account.   I recently looked at  the Wells Fargo website and choosing a bank account is ...]]></description>
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		<item>
		<title>Your Worthless Baseball Cards</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/15/your-worthless-baseball-cards/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/15/your-worthless-baseball-cards/#comments</comments>
		<pubDate>Fri, 15 Apr 2011 13:31:19 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[Baseball Card]]></category>
		<category><![CDATA[baseball cards as a collectible in your portfolio]]></category>
		<category><![CDATA[Basements]]></category>
		<category><![CDATA[Beckett Baseball]]></category>
		<category><![CDATA[Beckett’s baseball card guide]]></category>
		<category><![CDATA[Binders]]></category>
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		<category><![CDATA[Collecting Baseball Cards]]></category>
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		<category><![CDATA[new baseball card collectors guide]]></category>
		<category><![CDATA[overall value of the collection]]></category>
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		<category><![CDATA[What is my baseball card worth]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2248</guid>
		<description><![CDATA[Like so many kids growing up I had dreams of playing professional baseball.   I also spent much of my time between the ages of 8 and 14 collecting baseball cards.  I bought sets of cards, ...]]></description>
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		<title>Do You Have Enough Life Insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/14/do-you-have-enough-life-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/14/do-you-have-enough-life-insurance/#comments</comments>
		<pubDate>Thu, 14 Apr 2011 12:55:12 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[you probably don’t have enough life insurance]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2242</guid>
		<description><![CDATA[Here  is the scenario.  Your husband is driving  home that night on the local highway.   Out of nowhere a large truck sideswipes the car sending it reeling off  the road.  After ...]]></description>
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		<title>When Was The Last Time You Got Really Good Service?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/08/when-was-the-last-time-you-got-really-good-service/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/08/when-was-the-last-time-you-got-really-good-service/#comments</comments>
		<pubDate>Fri, 08 Apr 2011 15:18:10 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2230</guid>
		<description><![CDATA[You  would think with all of the customer surveys we via e-mail and the little cards  you see at hotels or restaurants that say “please rate my service”, we should  start to see an upgrade ...]]></description>
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		<title>Should You Rent A House On Vacation?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/06/should-you-rent-a-house-on-vacation/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/06/should-you-rent-a-house-on-vacation/#comments</comments>
		<pubDate>Wed, 06 Apr 2011 14:35:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[renting a house instead of staying at a hotel]]></category>
		<category><![CDATA[renting a house on vacation may be just the idea to maximize your dollars]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2223</guid>
		<description><![CDATA[When  I pick up one of those travel and getaway magazines in the bookstore, I always  feel like there is a resort I should be taking my family to for a  vacation.  ...]]></description>
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		<title>Single in the City</title>
		<link>http://www.yoursmartmoneymoves.com/2011/04/01/single-in-the-city/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/04/01/single-in-the-city/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 14:18:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[A local real estate agent]]></category>
		<category><![CDATA[Advice on Buying A Home In Atlanta]]></category>
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		<category><![CDATA[Approximate Square Footage]]></category>
		<category><![CDATA[Bachelorette]]></category>
		<category><![CDATA[be sure to include future repairs and maintenance in the budget]]></category>
		<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[buying a home is the most significant financial investment]]></category>
		<category><![CDATA[Consider resale value and longevity]]></category>
		<category><![CDATA[financial advice for the X and Y Generation]]></category>
		<category><![CDATA[Financial Investment]]></category>
		<category><![CDATA[foremost knowledgeable professionals]]></category>
		<category><![CDATA[Future Plans]]></category>
		<category><![CDATA[Get pre-approved for a mortgage]]></category>
		<category><![CDATA[Golden Rule]]></category>
		<category><![CDATA[High Interest Rates]]></category>
		<category><![CDATA[Home Buyers]]></category>
		<category><![CDATA[homes in suburbia rather than bachelor or bachelorette pads in urban or rural areas]]></category>
		<category><![CDATA[Inventory Levels]]></category>
		<category><![CDATA[it’s important to consider potential future plans for a home]]></category>
		<category><![CDATA[Jane McAuley]]></category>
		<category><![CDATA[Jane McAuley is a top agent with Coldwell Banker selling real estate around greater Atlanta]]></category>
		<category><![CDATA[Location Location Location]]></category>
		<category><![CDATA[Maintenance Fees]]></category>
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		<category><![CDATA[provide you with equity to purchase your next home]]></category>
		<category><![CDATA[Real Estate Tips]]></category>
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		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The golden rule of real estate]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2206</guid>
		<description><![CDATA[Today’s  housing environment has more single home buyers entering the real estate market  than ever before. With inventory levels high, interest rates near record lows  and affordability up in many areas across ...]]></description>
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		<title>DISASTER IN JAPAN: Why You Need An On Line Safety Deposit Box</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/30/disaster-in-japan-why-you-need-an-on-line-safety-deposit-box/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/03/30/disaster-in-japan-why-you-need-an-on-line-safety-deposit-box/#comments</comments>
		<pubDate>Wed, 30 Mar 2011 13:34:35 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2199</guid>
		<description><![CDATA[With  the recent disaster in Japan and our experience in the United States with  Hurricane Katrina just a few short years ago, it made me think about what kind  of smart money ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Keep The Trophy</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/23/keep-the-trophy/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/03/23/keep-the-trophy/#comments</comments>
		<pubDate>Wed, 23 Mar 2011 14:39:50 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[you can still get rewarded for being the worst at what you do]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2178</guid>
		<description><![CDATA[We  all have our pet peeves in life that get under our skin.Every season my kids are engaged in some  type of sports program within the local community. They have played in many ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Five Money Lessons From March Madness</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/18/five-money-lessons-from-march-madness/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/03/18/five-money-lessons-from-march-madness/#comments</comments>
		<pubDate>Fri, 18 Mar 2011 14:12:20 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2165</guid>
		<description><![CDATA[With  the first big day of March Madness behind us, day two is sure to give us some  other memorable buzzer beaters for the years to come.  While we all get focused on ...]]></description>
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		<title>Some look to “The Stock Trader’s Almanac” to develop their investment strategy.</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/16/some-look-to-%e2%80%9cthe-stock-trader%e2%80%99s-almanac%e2%80%9d-to-develop-their-investment-strategy/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/03/16/some-look-to-%e2%80%9cthe-stock-trader%e2%80%99s-almanac%e2%80%9d-to-develop-their-investment-strategy/#comments</comments>
		<pubDate>Wed, 16 Mar 2011 19:19:54 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2157</guid>
		<description><![CDATA[Growing up in Iowa “The Old Farmer’s Almanac” provided  planting charts for those who lived on the farm giving advice as to when to  plant as well as information about weather forecasts for ...]]></description>
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		<slash:comments>1</slash:comments>
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		<title>What If I Do Not File My Taxes?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/11/what-if-i-do-not-file-my-taxes/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/03/11/what-if-i-do-not-file-my-taxes/#comments</comments>
		<pubDate>Fri, 11 Mar 2011 15:16:46 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<category><![CDATA[the old Wesley Snipes issue]]></category>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2143</guid>
		<description><![CDATA[I am still amazed about how many people call us or come  into our office having not filed their taxes for multiple prior years.   Some people file for an extension ever year  at ...]]></description>
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		<item>
		<title>Keep Your Golf Costs Down</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/09/keep-your-golf-costs-down/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/03/09/keep-your-golf-costs-down/#comments</comments>
		<pubDate>Wed, 09 Mar 2011 15:59:25 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2137</guid>
		<description><![CDATA[About 18 months, I took up the sport of golf after 20  years of saying I just didn’t have the time to play the game.    I was probably avoiding playing so I wasn’t  ...]]></description>
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		<item>
		<title>Banks Are Back To The Fee Game</title>
		<link>http://www.yoursmartmoneymoves.com/2011/03/02/banks-are-back-to-the-fee-game/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/03/02/banks-are-back-to-the-fee-game/#comments</comments>
		<pubDate>Wed, 02 Mar 2011 14:30:03 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2119</guid>
		<description><![CDATA[Many  of the big banks still oppose the recent Dodd-Frank financial overhaul which  was enacted last year, crying that it would hurt customers because they would  be forced into a position to ...]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Money Always Chases Something</title>
		<link>http://www.yoursmartmoneymoves.com/2011/02/23/money-always-chases-something/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/02/23/money-always-chases-something/#comments</comments>
		<pubDate>Wed, 23 Feb 2011 13:59:52 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2103</guid>
		<description><![CDATA[I  have been asked over the past several months how far up the stock market will  run before it has some sort of pull back.   While these types of questions always create ...]]></description>
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		<title>If Time Equals Money You Better Know How To Uncheck A Box</title>
		<link>http://www.yoursmartmoneymoves.com/2011/02/18/if-time-equals-money-you-better-know-how-to-uncheck-a-box/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/02/18/if-time-equals-money-you-better-know-how-to-uncheck-a-box/#comments</comments>
		<pubDate>Fri, 18 Feb 2011 15:04:44 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2090</guid>
		<description><![CDATA[The  names of two very famous magazines are front and center on the racks of grocery  and book stores all across the country.   Those two names are Time Magazine and Money Magazine.   ...]]></description>
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		<title>Border’s Bookstore May File Chapter 11 &#8211; Guess What Is In Chapter 12?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/02/16/border%e2%80%99s-bookstore-may-file-chapter-11-guess-what-is-in-chapter-12/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/02/16/border%e2%80%99s-bookstore-may-file-chapter-11-guess-what-is-in-chapter-12/#comments</comments>
		<pubDate>Wed, 16 Feb 2011 16:08:20 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2082</guid>
		<description><![CDATA[Over  the past couple of years during this very tough economic cycle we have  witnessed some very large well known chains go out of business like Circuit  City and Linens and Things.   ...]]></description>
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		<item>
		<title>$2 Is Just Plain Insulting</title>
		<link>http://www.yoursmartmoneymoves.com/2011/02/10/2-dollars-is-just-plain-insulting/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/02/10/2-dollars-is-just-plain-insulting/#comments</comments>
		<pubDate>Thu, 10 Feb 2011 13:43:09 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2064</guid>
		<description><![CDATA[I  flew home to Atlanta on Saturday evening from Denver on Delta, and once again I  left the plane dumbfounded on why things just aren’t built into the price of  your plane ...]]></description>
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		<slash:comments>3</slash:comments>
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		<title>My First 1099 From Earning Income . . . Now What?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/02/02/my-first-1099-from-earning-income/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/02/02/my-first-1099-from-earning-income/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 15:51:55 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2030</guid>
		<description><![CDATA[The tax documents have been likely hitting your mailbox over the past week  or two from your employer, the bank, and your IRA accounts.   If you did some part time work or took on ...]]></description>
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		<title>4 Reasons Why Gen X’ers Shouldn&#8217;t Plan On Receiving An Inheritance</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/27/4-reasons-why-gen-x%e2%80%99ers-shouldnt-plan-on-receiving-an-inheritance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/27/4-reasons-why-gen-x%e2%80%99ers-shouldnt-plan-on-receiving-an-inheritance/#comments</comments>
		<pubDate>Thu, 27 Jan 2011 13:38:05 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=2007</guid>
		<description><![CDATA[At 41  years old, I fit into that whole segment of the population called Generation  X.  The media classically defines this  generation by people who were born between 1965 and 1979.  For ...]]></description>
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		<title>The Government Is Going To Issue Debit Cards?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/20/the-government-is-going-to-issue-debit-cards/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/20/the-government-is-going-to-issue-debit-cards/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 14:30:37 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1983</guid>
		<description><![CDATA[I  have been giving financial advice for 20 years now, and each new idea that  passes through our political system continues to baffle me on how we are going  to help our ...]]></description>
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		<title>Personal Finance 101 – This Week: Do I need a Living Trust?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/17/personal-finance-101-%e2%80%93-this-week-do-i-need-a-living-trust/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/17/personal-finance-101-%e2%80%93-this-week-do-i-need-a-living-trust/#comments</comments>
		<pubDate>Mon, 17 Jan 2011 13:07:28 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
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		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1968</guid>
		<description><![CDATA[First, a Living Trust is a trust you set up to hold your property and to govern the use and distribution of your property during your lifetime, during any period when you are incapacitated, and ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do I Need Pet Insurance?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/13/do-i-need-pet-insurance/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/13/do-i-need-pet-insurance/#comments</comments>
		<pubDate>Thu, 13 Jan 2011 16:35:33 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[a smart money move in 2011]]></category>
		<category><![CDATA[Accidents]]></category>
		<category><![CDATA[bestpestinsurance.com]]></category>
		<category><![CDATA[Catastrophic Coverage]]></category>
		<category><![CDATA[Catastrophic coverage or major dog insurance]]></category>
		<category><![CDATA[Cats]]></category>
		<category><![CDATA[Checkups]]></category>
		<category><![CDATA[Chronic Co]]></category>
		<category><![CDATA[Chronic Condition coverage]]></category>
		<category><![CDATA[co-payments]]></category>
		<category><![CDATA[Contrary]]></category>
		<category><![CDATA[Deductibles]]></category>
		<category><![CDATA[Do I Need Pet Insurance?]]></category>
		<category><![CDATA[emergency visits]]></category>
		<category><![CDATA[Enrollment Time]]></category>
		<category><![CDATA[Financial Decision]]></category>
		<category><![CDATA[Genetic Condition coverage]]></category>
		<category><![CDATA[Gimmick]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Insurance Companies]]></category>
		<category><![CDATA[insurance firm]]></category>
		<category><![CDATA[Insurances]]></category>
		<category><![CDATA[Medical Bills]]></category>
		<category><![CDATA[Medical Procedure]]></category>
		<category><![CDATA[Open Enrollment]]></category>
		<category><![CDATA[Pet Insurance]]></category>
		<category><![CDATA[professionals in giving financial advice]]></category>
		<category><![CDATA[serious financial decision]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[stability of carrier]]></category>
		<category><![CDATA[the best way to plan for medical bills]]></category>
		<category><![CDATA[Unpredictable Conditions]]></category>
		<category><![CDATA[Veterinary Bills]]></category>
		<category><![CDATA[Wellness and Routine coverage]]></category>
		<category><![CDATA[Wsj]]></category>
		<category><![CDATA[your pet’s regular care]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1956</guid>
		<description><![CDATA[A  few years ago, my sister ran into a truly awful situation.   She had  to face the music that part her family might pass way.   One of her  ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Will My Gift Cards Expire?</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/12/will-my-gift-cards-expire/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/12/will-my-gift-cards-expire/#comments</comments>
		<pubDate>Wed, 12 Jan 2011 15:11:22 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[12 Months]]></category>
		<category><![CDATA[a gift card dormancy fee]]></category>
		<category><![CDATA[a gift card service fee]]></category>
		<category><![CDATA[a good old cash debit card]]></category>
		<category><![CDATA[Cards Cards]]></category>
		<category><![CDATA[Co Workers]]></category>
		<category><![CDATA[Debit Card]]></category>
		<category><![CDATA[Family Friends]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Gift Card]]></category>
		<category><![CDATA[Gift Cards]]></category>
		<category><![CDATA[Holiday Season]]></category>
		<category><![CDATA[I Tunes]]></category>
		<category><![CDATA[i-tunes card]]></category>
		<category><![CDATA[Inactivity]]></category>
		<category><![CDATA[Least Five Years]]></category>
		<category><![CDATA[Money Move]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Partner Websites]]></category>
		<category><![CDATA[Period Of Time]]></category>
		<category><![CDATA[Physical Location]]></category>
		<category><![CDATA[professionals in giving financial advice]]></category>
		<category><![CDATA[Proof Of Purchase]]></category>
		<category><![CDATA[Provisions]]></category>
		<category><![CDATA[Purchase Source]]></category>
		<category><![CDATA[replacement fee for lost or stolen gift cards]]></category>
		<category><![CDATA[Retail Cards]]></category>
		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[smart money move]]></category>
		<category><![CDATA[store card]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The Federal Credit Card Act of 2009]]></category>
		<category><![CDATA[Will My Gift Cards Expire?]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1949</guid>
		<description><![CDATA[Now  that the holiday season is over, I’m sure that everyone walked away  with a few gift cards from family, friends, or co-workers.   Whether  it be an i-tunes card, store ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personal Finance 101 &#8211; This Week: Dying Without A Will</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/10/personal-finance-101-this-week-dying-without-a-will/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/10/personal-finance-101-this-week-dying-without-a-will/#comments</comments>
		<pubDate>Mon, 10 Jan 2011 16:08:09 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Personal Finance 101]]></category>
		<category><![CDATA[and whether those assets are left outright to people or in creditor protected trusts]]></category>
		<category><![CDATA[Assets]]></category>
		<category><![CDATA[Belief States]]></category>
		<category><![CDATA[Contrary]]></category>
		<category><![CDATA[Creditor]]></category>
		<category><![CDATA[creditor protected trusts]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[Default State]]></category>
		<category><![CDATA[Different Story]]></category>
		<category><![CDATA[Dying Without A Will]]></category>
		<category><![CDATA[End Result]]></category>
		<category><![CDATA[Executor]]></category>
		<category><![CDATA[Executor of your estate]]></category>
		<category><![CDATA[generic Will template]]></category>
		<category><![CDATA[Guardian]]></category>
		<category><![CDATA[Little Bit]]></category>
		<category><![CDATA[Living Trust]]></category>
		<category><![CDATA[LLC]]></category>
		<category><![CDATA[M. Patrick Callahan]]></category>
		<category><![CDATA[M. Patrick Callahan ESQ]]></category>
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		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Popular Belief]]></category>
		<category><![CDATA[Probate]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[state default laws determine who gets your assets]]></category>
		<category><![CDATA[State Laws]]></category>
		<category><![CDATA[Surviving Family]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Tension]]></category>
		<category><![CDATA[trusts]]></category>
		<category><![CDATA[What happens if I die without a Will]]></category>
		<category><![CDATA[who gets your assets]]></category>
		<category><![CDATA[who is guardian for your minor children]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1942</guid>
		<description><![CDATA[What happens if I die without a Will?
First, a little context is required. If you own any property when you die, then your surviving spouse or family will need to go through a legal process ...]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Yugster.com</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/07/yugster-com/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/07/yugster-com/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 15:45:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[10 Ways To Reduce Your Credit Card Debt]]></category>
		<category><![CDATA[5 Questions To Ask Before Refinancing]]></category>
		<category><![CDATA[a watch deal]]></category>
		<category><![CDATA[a yours until gone deal]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Advisory Services Inc]]></category>
		<category><![CDATA[Aff]]></category>
		<category><![CDATA[Airline Miles]]></category>
		<category><![CDATA[and will offer other season deals]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Broker Dealer]]></category>
		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Crpc]]></category>
		<category><![CDATA[Crps]]></category>
		<category><![CDATA[daily favorite deal]]></category>
		<category><![CDATA[Dealer Member]]></category>
		<category><![CDATA[Do You Spend Too Much?]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Great Deal Websites]]></category>
		<category><![CDATA[Investacorp]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Money Move]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Registered Investment Advisory Firm]]></category>
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		<category><![CDATA[smart money move]]></category>
		<category><![CDATA[Spend Those Airline Miles Now]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Y Generation]]></category>
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		<category><![CDATA[Yugster.com]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1936</guid>
		<description><![CDATA[I  am always searching for websites where I think you can get a deal or  two during the year.   Last year I talked a bunch about www.1saleaday.com, and  hopefully you ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Smart Financial Moves To Start The New Year Off With A Bang</title>
		<link>http://www.yoursmartmoneymoves.com/2011/01/03/5-smart-financial-moves-to-start-the-new-year-off-with-a-bang/</link>
		<comments>http://www.yoursmartmoneymoves.com/2011/01/03/5-smart-financial-moves-to-start-the-new-year-off-with-a-bang/#comments</comments>
		<pubDate>Mon, 03 Jan 2011 21:08:04 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[10 Small Business Owner Mistakes]]></category>
		<category><![CDATA[10 Year End Tax Management Tips for 2010]]></category>
		<category><![CDATA[5 Smart Financial Moves for 2011]]></category>
		<category><![CDATA[5 Smart Financial Moves for the New Year]]></category>
		<category><![CDATA[Addit]]></category>
		<category><![CDATA[Adjustable Rate Mortgage]]></category>
		<category><![CDATA[Best New Years Resolutions]]></category>
		<category><![CDATA[buy a piece of real estate or potentially refinance your home]]></category>
		<category><![CDATA[Capital Gain]]></category>
		<category><![CDATA[capital gain income]]></category>
		<category><![CDATA[Christmas Day]]></category>
		<category><![CDATA[Economic Force]]></category>
		<category><![CDATA[Extra Cash]]></category>
		<category><![CDATA[Family Finances]]></category>
		<category><![CDATA[Financial Moves]]></category>
		<category><![CDATA[Fixed Rate]]></category>
		<category><![CDATA[Holiday Season]]></category>
		<category><![CDATA[Interest Rate Loans]]></category>
		<category><![CDATA[Investment Strategy]]></category>
		<category><![CDATA[Is A Roth 401(k) Right For Me]]></category>
		<category><![CDATA[Look more globally with your investment strateg]]></category>
		<category><![CDATA[Low Interest Rate Loans]]></category>
		<category><![CDATA[New Year]]></category>
		<category><![CDATA[Nightmare]]></category>
		<category><![CDATA[or other income shifting strategies]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Roth Ira Conversions]]></category>
		<category><![CDATA[State Of Georgia]]></category>
		<category><![CDATA[Stock Option]]></category>
		<category><![CDATA[Stocking]]></category>
		<category><![CDATA[Tax Breaks]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Ted Jenkin discusses financial advice with the Wall Street Journal]]></category>
		<category><![CDATA[Use the tax ‘patch’ for the next two years]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1918</guid>
		<description><![CDATA[The  holiday season brought snow on Christmas Day to the state of Georgia  along with some relief around tax breaks that helped both the wealthy  and the unemployed. It seemed like everyone’s ...]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Take The ‘Flex’ Out Of Flexible Spending Accounts</title>
		<link>http://www.yoursmartmoneymoves.com/2010/12/15/take-the-%e2%80%98flex%e2%80%99-out-of-flexible-spending-accounts/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/12/15/take-the-%e2%80%98flex%e2%80%99-out-of-flexible-spending-accounts/#comments</comments>
		<pubDate>Wed, 15 Dec 2010 14:13:54 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[10 Small Business Owner Mistakes]]></category>
		<category><![CDATA[10 Year End Tax Management Tips for 2010]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Antacids]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Benefit Elections]]></category>
		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[Crpc]]></category>
		<category><![CDATA[Crps]]></category>
		<category><![CDATA[Day Care Provider]]></category>
		<category><![CDATA[day care provider fees]]></category>
		<category><![CDATA[financial planning decisions make have a big impact on your bottom line]]></category>
		<category><![CDATA[Flexible Spending Account]]></category>
		<category><![CDATA[Flexible Spending Accounts]]></category>
		<category><![CDATA[Flexible Spending Accounts in 2011]]></category>
		<category><![CDATA[Flexible Spending Accounts Rules]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Health Savings]]></category>
		<category><![CDATA[how Flexible Spending Accounts compares to a Health Savings Account]]></category>
		<category><![CDATA[Is A Roth 401(k) Right For Me]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[New Health Care]]></category>
		<category><![CDATA[Open Enrollment]]></category>
		<category><![CDATA[or private pre-school and kindergarten expenses]]></category>
		<category><![CDATA[OTC items such as vitamins]]></category>
		<category><![CDATA[out-of-pocket medical costs]]></category>
		<category><![CDATA[over the counter medications]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[pain relievers]]></category>
		<category><![CDATA[Planning Decisions]]></category>
		<category><![CDATA[professionals in giving financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Provider Fees]]></category>
		<category><![CDATA[Request a FREE Financial consultation]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Ted Jenkin discusses financial advice with the Wall Street Journal]]></category>
		<category><![CDATA[withdraw Flexible Spending Account funds tax-free]]></category>
		<category><![CDATA[Y Generation]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1898</guid>
		<description><![CDATA[For  those of you who recently went through open enrollment, take a closer  look at what you contribute to your Flexible Spending Accounts in  2011. FSA’s  allow employees to contribute pre-tax ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Multiple Streams Of Income</title>
		<link>http://www.yoursmartmoneymoves.com/2010/12/10/multiple-streams-of-income/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/12/10/multiple-streams-of-income/#comments</comments>
		<pubDate>Fri, 10 Dec 2010 14:35:17 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[1.800.355.9318 or 770.777.0427]]></category>
		<category><![CDATA[10 Small Business Owner Mistakes]]></category>
		<category><![CDATA[10 Year End Tax Management Tips for 2010]]></category>
		<category><![CDATA[additional cash flow by owning a piece of rental real estate property]]></category>
		<category><![CDATA[avoid investing in a start up business]]></category>
		<category><![CDATA[Both partners in a household have a stream of income]]></category>
		<category><![CDATA[Breadwinner]]></category>
		<category><![CDATA[Business Owners]]></category>
		<category><![CDATA[Business Types]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[Complement]]></category>
		<category><![CDATA[Consistent Income]]></category>
		<category><![CDATA[develop multiple income sources]]></category>
		<category><![CDATA[Due Diligence]]></category>
		<category><![CDATA[Full Time Business]]></category>
		<category><![CDATA[Higher Paying Jobs]]></category>
		<category><![CDATA[how can you create multiple streams of income?]]></category>
		<category><![CDATA[Income Sources]]></category>
		<category><![CDATA[Income Stream]]></category>
		<category><![CDATA[Industry Changes]]></category>
		<category><![CDATA[Invest in a business]]></category>
		<category><![CDATA[Is A Roth 401(k) Right For Me]]></category>
		<category><![CDATA[Large Numbers]]></category>
		<category><![CDATA[Market Uncertainty]]></category>
		<category><![CDATA[Multiple Streams Of Income]]></category>
		<category><![CDATA[one of the smartest financial moves is]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Part Time]]></category>
		<category><![CDATA[Request a FREE Financial Consultation: CLICK HERE]]></category>
		<category><![CDATA[Start a blog]]></category>
		<category><![CDATA[Streams Of Income]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[the foremost knowledgeable professionals in giving financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Type Business]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[Wall Street Analyst]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1882</guid>
		<description><![CDATA[People  who own a business often understand the powerful concept of multiple  streams of income.   Given that any business can have economic,  regulatory, or industry changes that can hurt the ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Which Term Insurance Is Right For Me?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/11/30/which-term-insurance-is-right-for-me/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/11/30/which-term-insurance-is-right-for-me/#comments</comments>
		<pubDate>Tue, 30 Nov 2010 14:17:35 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[5 Disaster Financial Moves]]></category>
		<category><![CDATA[5 Important Financial Questions To Ask Your Parents]]></category>
		<category><![CDATA[Age Health]]></category>
		<category><![CDATA[Convertible Term]]></category>
		<category><![CDATA[Convertible Term Insurance]]></category>
		<category><![CDATA[convertible term may actually increase your rate]]></category>
		<category><![CDATA[Death Benefit]]></category>
		<category><![CDATA[Decreasing Term Insurance]]></category>
		<category><![CDATA[Evidence Of Insurability]]></category>
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		<category><![CDATA[Health Condition]]></category>
		<category><![CDATA[Health Range]]></category>
		<category><![CDATA[Increment]]></category>
		<category><![CDATA[insurance in the future for estate planning]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[Insurance premium]]></category>
		<category><![CDATA[Insurance Product]]></category>
		<category><![CDATA[Length Of Time]]></category>
		<category><![CDATA[Level Term Insurance]]></category>
		<category><![CDATA[Liabilities]]></category>
		<category><![CDATA[Life Insurance]]></category>
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		<category><![CDATA[My Smart Money Moves]]></category>
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		<category><![CDATA[Period Of Time]]></category>
		<category><![CDATA[Premiums]]></category>
		<category><![CDATA[Renewable Term Insurance]]></category>
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		<category><![CDATA[Smart Money]]></category>
		<category><![CDATA[survivor income]]></category>
		<category><![CDATA[Sweet Spot]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Term Insurance]]></category>
		<category><![CDATA[term insurance tied against your mortgage]]></category>
		<category><![CDATA[Top 10 Questions To Ask Your Financial Advisor]]></category>
		<category><![CDATA[Which Term Insurance Is Right For Me?]]></category>
		<category><![CDATA[your smart money moves]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1859</guid>
		<description><![CDATA[If you are in the market to buy  life insurance, you need to remember that not all term insurance is created  alike. Here are some key items to  remember so you can ...]]></description>
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		<item>
		<title>Is Black Friday Now Black Thursday Night?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/11/25/is-black-friday-now-black-thursday-night/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/11/25/is-black-friday-now-black-thursday-night/#comments</comments>
		<pubDate>Thu, 25 Nov 2010 14:59:18 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[be one of the first holiday shoppers]]></category>
		<category><![CDATA[Black Friday]]></category>
		<category><![CDATA[Black Friday in Atlanta Georgia]]></category>
		<category><![CDATA[Black Thursday]]></category>
		<category><![CDATA[Clock Strikes Midnight]]></category>
		<category><![CDATA[Clocks]]></category>
		<category><![CDATA[exclusive shopping deals]]></category>
		<category><![CDATA[experience Black Friday at a store near you]]></category>
		<category><![CDATA[Fina]]></category>
		<category><![CDATA[Financial Services planning alpharetta]]></category>
		<category><![CDATA[First Holiday]]></category>
		<category><![CDATA[Greater Atlanta]]></category>
		<category><![CDATA[Holiday Season]]></category>
		<category><![CDATA[Holiday Shoppers]]></category>
		<category><![CDATA[Holiday Shopping]]></category>
		<category><![CDATA[how early can Black Friday really begin?]]></category>
		<category><![CDATA[Is Black Friday Now Black Thursday Night]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[making smart money moves through the holiday season]]></category>
		<category><![CDATA[Metro Atlanta Deals]]></category>
		<category><![CDATA[Next Morning]]></category>
		<category><![CDATA[North Point Mall In Alpharetta Ga]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Precious Memories]]></category>
		<category><![CDATA[professionals in giving financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Rocking Shoppin' Eve Deals]]></category>
		<category><![CDATA[Smart Money Moves]]></category>
		<category><![CDATA[Spending Time With Family]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Thanksgiving Shopping Deals]]></category>
		<category><![CDATA[the North Point Mall in Alpharetta]]></category>
		<category><![CDATA[Thursday Night]]></category>
		<category><![CDATA[Time Of Year]]></category>
		<category><![CDATA[Time With Family]]></category>
		<category><![CDATA[Yankee Candle]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1855</guid>
		<description><![CDATA[It’s that time of year when the real holiday shopping  season begins. Everyone knows it as the  dreaded Black Friday.  With my schedule  today on Thanksgiving, I almost wonder if they should ...]]></description>
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		<item>
		<title>5 Questions To Ask Before Refinancing?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/11/22/5-questions-to-ask-before-refinancing/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/11/22/5-questions-to-ask-before-refinancing/#comments</comments>
		<pubDate>Mon, 22 Nov 2010 15:02:01 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[5 Questions To Ask Before Refinancing]]></category>
		<category><![CDATA[banking for your kid’s college education]]></category>
		<category><![CDATA[building up a cash reserve]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Free Lunch]]></category>
		<category><![CDATA[How long do I plan to live in the home?]]></category>
		<category><![CDATA[how to lock in mortgage rates]]></category>
		<category><![CDATA[Insurance Tips]]></category>
		<category><![CDATA[Interest Rate Change]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[key to refinancing is building up a cash reserve]]></category>
		<category><![CDATA[Loan Lenders]]></category>
		<category><![CDATA[Minute Surprises]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Period Of Time]]></category>
		<category><![CDATA[Private Mortgage Insurance]]></category>
		<category><![CDATA[rate based upon you paying ‘points’]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Refinancing Rates]]></category>
		<category><![CDATA[require private mortgage insurance]]></category>
		<category><![CDATA[roll the closing costs into your loan]]></category>
		<category><![CDATA[Saving For Retirement]]></category>
		<category><![CDATA[Six Weeks]]></category>
		<category><![CDATA[Taking The Plunge]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The key to refinancing is]]></category>
		<category><![CDATA[Types of Mortgages]]></category>
		<category><![CDATA[Variations]]></category>
		<category><![CDATA[whether or not it is a good idea to refinance a home]]></category>
		<category><![CDATA[Will I have to pay points or private mortgage insurance?]]></category>
		<category><![CDATA[Will my interest rate change at all before the refinance is complete]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1844</guid>
		<description><![CDATA[With interest rates being incredibly  low, I have been asked the question over and over the past several months about  whether or not it is a good idea to refinance a home. Here ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Universal Service Fee</title>
		<link>http://www.yoursmartmoneymoves.com/2010/11/18/the-universal-service-fee/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/11/18/the-universal-service-fee/#comments</comments>
		<pubDate>Thu, 18 Nov 2010 14:24:17 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[affordable telecommunications and information services]]></category>
		<category><![CDATA[Alpharetta Ga 30022 Tax Services]]></category>
		<category><![CDATA[Atlanta Financial Services]]></category>
		<category><![CDATA[Bill Pay]]></category>
		<category><![CDATA[Cgb]]></category>
		<category><![CDATA[Consumer Fact Sheet]]></category>
		<category><![CDATA[Consumer Fact Sheets]]></category>
		<category><![CDATA[discounts on monthly service and initial telephone installation or activation fees]]></category>
		<category><![CDATA[ealth care providers located in rural areas to urban medical centers]]></category>
		<category><![CDATA[Eligible Consumers]]></category>
		<category><![CDATA[Eligible Schools]]></category>
		<category><![CDATA[Fcc]]></category>
		<category><![CDATA[Fede]]></category>
		<category><![CDATA[Federally Universal Service Fee]]></category>
		<category><![CDATA[Georgia Financial Planners]]></category>
		<category><![CDATA[Health Care Bill]]></category>
		<category><![CDATA[Health Care Providers]]></category>
		<category><![CDATA[Internal Connections]]></category>
		<category><![CDATA[Internet access and internal connections]]></category>
		<category><![CDATA[Lifeline]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[perks from Federal Service Fees]]></category>
		<category><![CDATA[Program Ensures That]]></category>
		<category><![CDATA[Real Good Reason]]></category>
		<category><![CDATA[Rural Health Care]]></category>
		<category><![CDATA[schools and libraries for eligible telecommunications services]]></category>
		<category><![CDATA[Services Internet]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Telecommunications Services]]></category>
		<category><![CDATA[The Universal Service Fee]]></category>
		<category><![CDATA[Universal Service Fund]]></category>
		<category><![CDATA[Urban Communities]]></category>
		<category><![CDATA[Urban Medical Centers]]></category>
		<category><![CDATA[What The Heck]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1832</guid>
		<description><![CDATA[I am officially sick of it.  For many years now I read my phone bill each month with the many small  line item fees that nobody really understands.  The worst of them according ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Estate Tax To Stay At 3.5 Million?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/11/09/estate-tax-to-stay-at-3-5-million/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/11/09/estate-tax-to-stay-at-3-5-million/#comments</comments>
		<pubDate>Tue, 09 Nov 2010 14:01:55 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[1 Million]]></category>
		<category><![CDATA[1 million dollar estate tax]]></category>
		<category><![CDATA[10 Year End Tax Management Tips for 2010]]></category>
		<category><![CDATA[2010 estate tax exemption]]></category>
		<category><![CDATA[45% tax]]></category>
		<category><![CDATA[5 Important Financial Questions To Ask Your Parents]]></category>
		<category><![CDATA[5 Million]]></category>
		<category><![CDATA[7 million dollar estate]]></category>
		<category><![CDATA[American Citizens]]></category>
		<category><![CDATA[Band Rush]]></category>
		<category><![CDATA[Billy Crystal]]></category>
		<category><![CDATA[Compromise]]></category>
		<category><![CDATA[Dollar Threshold]]></category>
		<category><![CDATA[eliminating any estate tax in the United States]]></category>
		<category><![CDATA[Estate Liquidity]]></category>
		<category><![CDATA[estate tax issue]]></category>
		<category><![CDATA[Estate Tax To Stay At 3.5 Million?]]></category>
		<category><![CDATA[Excess Tax]]></category>
		<category><![CDATA[Financial Questions]]></category>
		<category><![CDATA[find a good financial advisory team]]></category>
		<category><![CDATA[foremost knowledgeable professionals in giving financial advice]]></category>
		<category><![CDATA[great financial advisory team]]></category>
		<category><![CDATA[Inflation Adjuster]]></category>
		<category><![CDATA[Last Decade]]></category>
		<category><![CDATA[Momma]]></category>
		<category><![CDATA[normal inflation in the United States]]></category>
		<category><![CDATA[Number Of Households]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Pace]]></category>
		<category><![CDATA[Planning Techniques]]></category>
		<category><![CDATA[really large looming financial questions]]></category>
		<category><![CDATA[Republicans And Democrats]]></category>
		<category><![CDATA[Request a FREE Financial consultation]]></category>
		<category><![CDATA[Simple Solution]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The BEST Financial Advisor]]></category>
		<category><![CDATA[the growth of wealth]]></category>
		<category><![CDATA[the real value of the dollar]]></category>
		<category><![CDATA[Throw Momma From The Train]]></category>
		<category><![CDATA[Why Doesn’t The Government Understand The 80-20 Rule]]></category>
		<category><![CDATA[Wsj]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1816</guid>
		<description><![CDATA[Now that the elections are done, there are some really large  looming financial questions that the new mix of Republicans and Democrats need  to decide before the year ends.  As the  band ...]]></description>
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		<item>
		<title>What Is Your Internet Influence?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/11/02/what-is-your-internet-influence/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/11/02/what-is-your-internet-influence/#comments</comments>
		<pubDate>Tue, 02 Nov 2010 14:11:19 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[10 Small Business Owner Mistakes]]></category>
		<category><![CDATA[5 Important Financial Questions To Ask Your Parents]]></category>
		<category><![CDATA[@oXYGenFinancial and @TedJenkin]]></category>
		<category><![CDATA[Aams]]></category>
		<category><![CDATA[Amplification]]></category>
		<category><![CDATA[amplification probability]]></category>
		<category><![CDATA[Awma]]></category>
		<category><![CDATA[Business Owners]]></category>
		<category><![CDATA[Business Results]]></category>
		<category><![CDATA[Cfp]]></category>
		<category><![CDATA[Cmfc]]></category>
		<category><![CDATA[Creative Tax Deductions]]></category>
		<category><![CDATA[Crpc]]></category>
		<category><![CDATA[Crps]]></category>
		<category><![CDATA[Do You Spend Too Much?]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[Facebook and Twitter]]></category>
		<category><![CDATA[Follow @Klout on Twitter]]></category>
		<category><![CDATA[Followers]]></category>
		<category><![CDATA[Free Consultation]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Geographical Location]]></category>
		<category><![CDATA[Internet Influence]]></category>
		<category><![CDATA[Jenkin]]></category>
		<category><![CDATA[Klout]]></category>
		<category><![CDATA[Knowledgeable Professionals]]></category>
		<category><![CDATA[Many Different Ways]]></category>
		<category><![CDATA[network score]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[people you want to meet]]></category>
		<category><![CDATA[professionals in giving financial advice to the X and Y Generation]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[The Klout score]]></category>
		<category><![CDATA[true reach]]></category>
		<category><![CDATA[Twitter]]></category>
		<category><![CDATA[What Is Your Internet Influence]]></category>
		<category><![CDATA[Who are the influential people in your industry and geographical location]]></category>
		<category><![CDATA[Who are your most influential customer]]></category>
		<category><![CDATA[www.klout.com]]></category>
		<category><![CDATA[Y Generation]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1802</guid>
		<description><![CDATA[Do you have Klout? Yes, I spelled it correctly. There is a new website for all of you who  use social media to grow your personal or business results. Klout has developed a methodology ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>You Can Now Tell Me What Credit Card To Use?</title>
		<link>http://www.yoursmartmoneymoves.com/2010/10/28/you-can-now-tell-me-what-credit-card-to-use/</link>
		<comments>http://www.yoursmartmoneymoves.com/2010/10/28/you-can-now-tell-me-what-credit-card-to-use/#comments</comments>
		<pubDate>Thu, 28 Oct 2010 13:05:50 +0000</pubDate>
		<dc:creator>oXYGenFinancial</dc:creator>
				<category><![CDATA[Featured Articles]]></category>
		<category><![CDATA[10 Year End Tax Management Tips for 2010]]></category>
		<category><![CDATA[1960s]]></category>
		<category><![CDATA[allow customers to save money]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[Anticompetitive Practices]]></category>
		<category><![CDATA[Billing Statements]]></category>
		<category><![CDATA[Business Owner]]></category>
		<category><![CDATA[Card Source]]></category>
		<category><![CDATA[Card Transaction]]></category>
		<category><![CDATA[Creative Tax Deductions]]></category>
		<category><![CDATA[Credit Card Processors]]></category>
		<category><![CDATA[Credit Card Transactions]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[ctwatchdog.com]]></category>
		<category><![CDATA[Department Stores]]></category>
		<category><![CDATA[Do You Spend Too Much?]]></category>
		<category><![CDATA[fee in the credit card terms and conditions]]></category>
		<category><![CDATA[Financial Services Atlanta]]></category>
		<category><![CDATA[Fraud Protection]]></category>
		<category><![CDATA[Free Financial Consultation]]></category>
		<category><![CDATA[Gen X & Y Financial Advice]]></category>
		<category><![CDATA[Interchange Fee]]></category>
		<category><![CDATA[Interchange Fee is Confusing]]></category>
		<category><![CDATA[Interchange Fees]]></category>
		<category><![CDATA[Interchange fees or swipe fees]]></category>
		<category><![CDATA[Interchange fees typically range between 1.0% and 3.5%]]></category>
		<category><![CDATA[Justice Department]]></category>
		<category><![CDATA[Justice Department sued Visa]]></category>
		<category><![CDATA[larger reward programs from the credit card companies]]></category>
		<category><![CDATA[LowCards.com]]></category>
		<category><![CDATA[MasterCard]]></category>
		<category><![CDATA[oXYGen Financial]]></category>
		<category><![CDATA[Pay Off Credit Cards Or Save For Retirement?]]></category>
		<category><![CDATA[Revenue Source]]></category>
		<category><![CDATA[Swipe]]></category>
		<category><![CDATA[Ted Jenkin]]></category>
		<category><![CDATA[Tell Me What Credit Card To Use]]></category>
		<category><![CDATA[the cost of processing credit card transactions]]></category>
		<category><![CDATA[Thinking Cap]]></category>
		<category><![CDATA[Top 10 Credit Card Comparison Resource Sites]]></category>
		<category><![CDATA[Unintended Consequences]]></category>
		<category><![CDATA[Visa Mastercard]]></category>

		<guid isPermaLink="false">http://www.yoursmartmoneymoves.com/?p=1787</guid>
		<description><![CDATA[On Monday, the Justice Department sued Visa, MasterCard, and  American Express for anticompetitive practices. At the same time, it reached a  proposed settlement with Visa and MasterCard. The ruling aims to end  ...]]></description>
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		<slash:comments>2</slash:comments>
		</item>
	</channel>
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